3957 State Highway 42 E, Warsaw, KY, 41095
About This Home
Welcome to 3957 Highway 42 East in Warsaw! Tucked along Little Sugar Creek with access to the Ohio River in Gallatin County, Kentucky, this cozy little cottage on 0.8A± acres is set up perfectly for long summer weekends-or full-time river life if that's your thing. If you're in the Cincinnati or Northern Kentucky area and love being on the water, this one's worth a look. Tired of hauling your boat or jet skis back and forth every weekend? This place solves that. Leave your gear here, show up, and get straight to enjoying the water. A private dock on the creek makes for easy access, along with a public boat ramp just down the road for launching. Included is an extra lot with plenty of space for boats, trailers, or weekend games like cornhole and volleyball. The cottage offers two bedrooms and can comfortably sleep four to five (depending on how good of friends you are), as well as a freshly updated shower, AC to cool off after a hot day, and everything you need to relax. Just stock the fridge, fire up the grill, and you're set. There's also a patio and second-story deck for hanging out in the evenings. This could be your personal summer spot-or turn it into a short-term rental and let it help pay for itself when you're not using it. Enjoy that hard-to-find mix of water access and privacy. If you've been thinking about having your own place on the water, this is a solid, affordable way to make it happen. Contact today to schedule a private showing and make 3957 Highway 42 East your new address. Location: 3957 Highway 42 East Warsaw, KY 41095 Situated on the Little Sugar Creek (Ohio River Tributary) Gallatin County 22A± Miles SW of Florence 34A± Miles SW of Cincinnati, OH Coordinates: 38.7879, -84.80445 Property Use: Residential Recreational Summer Cottage Potential Rental Income Property Information: 0.8A± Total Acres 0.5A± Acres of Vacant Ground 2 Bedroom Cottage Remodeled Bathroom Newer Flooring & Kitchen Patio & Deck Fresh Paint Little Sugar Creek Frontage Electricity & Septic On-Site Water Available At the Road Driveway Boat Dock Tax Information: TBD
Getting Around
Car-Dependent
Very Limited Transit
Not Bike FriendlySchools
Construction
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Interior Area
- Total structure area: 0
Property
Lot
- Lot size: 0.80 Acres
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Strong Wind
- Tornado
- Cold Wave
- Inland Flooding
- Lightning
How This Home’s Risks Compare
FEMA Declared Disasters Across Kentucky Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $707 | $8,484 |
| Home Insurance * | $64 | $768 |
| Property Taxes | $82 | $984 |
| Electricity | $154 | $1,850 |
| Total | $1,007 | $12,084 |
Income You'd Need if You Spent...
Kentucky FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-10 | Price change | $129,000 |
| 2026-07-05 | Listed for sale | $139,900 |
| 2026-05-27 | Pending sale | $139,900 |
| 2026-05-14 | Listed for sale | $139,900 |
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